Financial Services Guide.
Before we provide any financial advice, you are entitled to a copy of our FSG. It explains who authorises the advice, what we are licensed for, how we are paid, and how to complain.
- AFSL Licensee
- La Verne Capital Pty Ltd
- Authorised Rep
- AR 409415
- Adviser
- Balki Balakrishnan · FAAA
- Document version
- 4 June 2026
Download the FSG (PDF)
The FSG is supplied and maintained by our licensee, La Verne Capital Pty Ltd. The current published version is being prepared for upload to this page.
In the meantime, request the current FSG by email to admin@opesfinancialsolutions.com.au or call 1300 67 37 37. We will send the most recent version supplied by the licensee.
Who provides the advice
Balki Balakrishnan, principal of Opes Financial Solutions Pty Ltd, is an Authorised Representative (AR 409415) of La Verne Capital Pty Ltd, which holds the Australian Financial Services Licence. La Verne Capital Pty Ltd is responsible for the financial advice we provide. Balki is a member of the Financial Advice Association of Australia (FAAA).
What the FSG covers
The FSG itself is the authoritative document. In summary, it addresses:
- The identity of the AFSL holder and the Authorised Representative.
- The financial services and products we are authorised to advise on, including superannuation, retirement, investment, and life risk insurance.
- How we are paid: fees, commissions where applicable on insurance, and any third-party payments.
- Any relationships with product issuers and how conflicts of interest are managed.
- The complaints process, internal first and then the Australian Financial Complaints Authority.
- The Professional Indemnity insurance coverage held by the licensee.
- How personal information collected during the advice process is handled.
Other documents you may receive
- Statement of Advice (SOA) when we provide personal advice.
- Product Disclosure Statement (PDS) from the product issuer for any product we recommend. We provide it before you decide to acquire the product.
- Record of Advice (RoA) for further advice consistent with an earlier SOA.
Fees and how we are paid
We operate on a hybrid fee model. The exact fee depends on the products advised on and the complexity of the engagement. Managed-fund advice generally requires a minimum $50,000 investment. The authoritative fee schedule is set out in the FSG and confirmed in writing in the engagement letter before any work begins.
Complaints
Please raise concerns with us first. Write to Balki Balakrishnan, Opes Financial Solutions Pty Ltd, Suite 11.18, 401 Docklands Drive, Docklands VIC 3008. Phone 1300 67 37 37 or email admin@opesfinancialsolutions.com.au.
If we cannot resolve the matter, you can escalate (free of charge) to the Australian Financial Complaints Authority on 1800 931 678 (afca.org.au).
We will walk through the FSG with you at the first meeting and answer any questions before you sign anything.
Read the FSG with a licensed adviser.
Book a free first conversation. We will walk through the FSG, scope, and fees before any work begins.